If your business requires your employees to spend a lot of time on the road, regardless of if they are driving their own cars or company vehicles, commercial auto insurance is very important.

If your business owns vehicles that your employees are driving, the auto insurance will be mandatory and will be identified as fleet insurance. The costs of commercial auto insurance varies from state to state.

For the last decade, more than 40,000 people have died each year from auto-related accidents. It is one of the leading causes of death in the U.S. and costs taxpayers and private insurance policy holders hundreds of billions of dollars each year to replace and repair cars, maintain roads and highways and pay for medical expenses and emergency services.

This is one of the reasons that auto insurance has become mandatory by state and federal law. Also for these reasons cheap auto insurance is no longer a good idea. More expensive commercial auto insurance is a better investment. Allowing your employees to drive company vehicles without insurance can result in heavy fines. Being involved in an accident without insurance can incur severe penalties, including jail time. Before you buy commercial auto insurance, take time to compare insurance policies, companies, and insurance reps so you can find the right car insurance rates that will fit your budget AND your needs.